Independent Fiduciary

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A fiduciary is required to put their client's needs ahead of their own. Less than 10% financial advisors in the U.S. are required to work under the fiduciary standard set for Registered Investment Advisors. The Certified Financial Planner Board of Standards sets its own strict fiduciary standard that certificate holders must abide by.

Socially Responsible


Environmental, social and corporate governance (ESG) funds allow you to invest your money into causes you believe in. Socially responsible investing (SRI), also known as sustainable, socially conscious, green, or ethical investing, is shaping the future. We build custom investment strategies that considers both financial returns as well as the social causes clients request.

Fee-Only Advisor

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Traditionally, financial advisors were paid a commission each time clients made an investment. There is an inherent conflict of interest in working that way. This is why, in order to provide objective advice, I work under a fee-only model. Clients can pay by the hour, project, or retain ongoing services through a percentage of the investment assets managed.

How long will the down market continue?

November 14, 2018

The stock market has been pretty volatile over the last couple of months while the bond market continues to decline…

Q3 Year to Date Returns

September 28, 2018

Overall, it’s been a slow year for diversified portfolios. Moderately allocated portfolio’s are averaging 3.15% for the year. The highest…

Q3 Market Commentary

September 27, 2018

Quarterly rebalancing is coming up this week and I wanted to pass along some of the changes I plan on…

Net Unrealized Appreciation

September 19, 2018

If you have company stock in your 401k plan, you may want to consider a setting up a tax strategy…

Q2 Market Commentary

July 30, 2018

The second quarter of 2018 has come to an end. In my first quarter update, I reported that the market…

Free Advice Is Worth Exactly That

June 13, 2018

Recently, the online Q&A website Quora forwarded me this question – Should I hire a Financial Advisor? What are the…

New European Privacy Rules

June 12, 2018

You may have noticed that your email inbox has received numerous privacy notices recently. This is due to the European…

Business or Hobby?

May 16, 2018

Creating a sound tax strategy is one of the more important parts of a financial plan. This is especially true…

Q1 Market Commentary

March 28, 2018

The first quarter of 2018 is coming to an end and the market news is mixed. The Dow Jones and…

Retirement Distribution Tax Planning

March 19, 2018

“Please consult your tax advisor.” This is the standard disclaimer brokerage firms give whenever a client requests a withdrawal from…

Dow down 4.6%? Don’t panic.

February 5, 2018

The Dow Jones Industrial Average dropped 1,175.21 points today. It was the largest point drop in the history of the…

New Roth IRA Recharacterization Rule

January 30, 2018

A major change to the tax rules starting in 2018 could leave many paying high taxes on investments that they…

Tax Gain Harvesting

January 25, 2018

Minimizing your taxable liability on investments allows you save more towards your goals. Most people investment in retirement accounts. That…

Books for Investors

December 7, 2017

Being a well read financial advisor is critical part of helping clients succeed in their goals. Most of the time,…

How Registered Investment Advisors Are Different

October 21, 2017

There are about 285,000 financial advisors nationwide. Quick question… how many of them do you think are legally required to…

ESG – Environmental and Social Governance Investments

October 18, 2017

Eighty percent of investors want their investments to deliver competitive returns while promoting positive social and environmental outcomes. For younger…

Building a Financial Plan

September 13, 2017

If you’ve paid for financial advice before, you know it can be expensive. Building a proper financial plan can take…

Health Savings Account

June 28, 2017

A Health Savings Account (HSA) is a tax-exempt trust or custodial account that helps pay medical expenses.  Contributions to HSAs…

Fiduciary Rule

June 27, 2017

Fiduciary Standard A fiduciary is a person or organization that is bound both legally and ethically to act in your…

Socially Responsible Investments

June 14, 2017

When you invest, you’re voting with your money. Despite what happens in Washington D.C., you can always make a difference.…

Next Steps...

Contact us for a free one hour consultation. We'll discuss what services we offer, explain the philosophy followed, and help you understand the costs associated with investing.

© 2017 Phoenician Financial Planning, LLC. Securities offered through Folio Institutional, Inc., member FINRA / SIPC.